Credit union · NCUA insured
FORUM Credit Union CD Rates
Top CarrotFORUM Credit Union’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 6 months to 10 years. Rates checked October 15, 2026.
How FORUM Credit Union’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where FORUM Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FORUM Credit Union
4.25%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $644
Share Certificate
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
FORUM Credit Union CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where FORUM Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.25%APY · 13 terms
Minimum $500 required to open. Early withdrawal penalties apply. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 91 Days. Early withdrawal penalties apply | 0.75% | $0 |
| 6 monthsEarly withdrawal penalties apply | 4.00% | $198 |
| 12 monthsEarly withdrawal penalties apply | 4.15% | $415 |
| 18 monthsEarly withdrawal penalties apply | 4.25% | $644 |
| 24 monthsEarly withdrawal penalties apply | 3.65% | $743 |
| 36 monthsEarly withdrawal penalties apply | 3.50% | $1,087 |
| 48 monthsEarly withdrawal penalties apply | 3.50% | $1,475 |
| 60 monthsEarly withdrawal penalties apply | 3.25% | $1,734 |
| 72 monthsEarly withdrawal penalties apply | 3.25% | $2,115 |
| 84 monthsEarly withdrawal penalties apply | 3.25% | $2,509 |
| 96 monthsEarly withdrawal penalties apply | 3.25% | $2,916 |
| 108 monthsEarly withdrawal penalties apply | 3.25% | $3,336 |
| 120 monthsEarly withdrawal penalties apply | 3.25% | $3,769 |
52 Week Money Challenge Account
0.75%APY · 1 term
Early withdrawal penalties apply. Minimum $500 required to open. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 52 weeks. Early withdrawal penalties apply | 0.75% | $75 |
Sources (1)
- forumcu.com/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 13 terms
Applies to IRAs. Minimum $500 required to open. Early withdrawal penalties apply. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 91 Days. Early withdrawal penalties apply | 0.75% | $0 |
| 6 monthsEarly withdrawal penalties apply | 4.00% | $198 |
| 12 monthsEarly withdrawal penalties apply | 4.15% | $415 |
| 18 monthsEarly withdrawal penalties apply | 4.25% | $644 |
| 24 monthsEarly withdrawal penalties apply | 3.65% | $743 |
| 36 monthsEarly withdrawal penalties apply | 3.50% | $1,087 |
| 48 monthsEarly withdrawal penalties apply | 3.50% | $1,475 |
| 60 monthsEarly withdrawal penalties apply | 3.25% | $1,734 |
| 60 monthsLiquid IRA. Early withdrawal penalties apply | 3.50% | $1,877 |
| 72 monthsEarly withdrawal penalties apply | 3.25% | $2,115 |
| 84 monthsEarly withdrawal penalties apply | 3.25% | $2,509 |
| 96 monthsEarly withdrawal penalties apply | 3.25% | $2,916 |
| 108 monthsEarly withdrawal penalties apply | 3.25% | $3,336 |
| 120 monthsEarly withdrawal penalties apply | 3.25% | $3,769 |
Sources (1)
- forumcu.com/rates · captured Oct 15, 2026
Sprout Account
1.00%APY
Early withdrawal penalties apply. Minimum $500 required to open. Rates subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceYouth college matching account certificate. Early withdrawal penalties apply.Any balance | 1.00% | $100 | Youth college matching account certificate. Early withdrawal penalties apply. |
Sources (1)
- forumcu.com/rates · captured Oct 15, 2026
Who can join FORUM Credit Union
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